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CONTACT 321-303-4544

All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®. They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature. REALTORS® are committed to treat all parties to a transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR® again.

Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR KISSIMMEE

But if you're still not convinced of the value of a REALTOR®, here are a dozen more reasons to use one:

1. Your REALTOR KISSIMMEE can help you determine your buying power -- that is, your financial reserves plus your borrowing capacity. If you give a REALTOR® some basic information about your available savings, income and current debt, he or she can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices.

2. Your REALTOR KISSIMMEE has many resources to assist you in your home search. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties.

3. Your REALTOR KISSIMMEE can assist you in the selection process by providing objective information about each property. Agents who are REALTORS® have access to a variety of informational resources. REALTORS® can provide local community information on utilities, zoning. schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?

4. Your REALTOR KISSIMMEE can help you negotiate. There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.

5. Your REALTOR KISSIMMEE provides due diligence during the evaluation of the property. Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Your REALTOR® can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Your REALTOR®, title company or attorney can help you resolve issues that might cause problems at a later date.

6. Your REALTOR KISSIMMEE can help you in understanding different financing options and in identifying qualified lenders.

7. Your REALTOR KISSIMMEE can guide you through the closing process and make sure everything flows together smoothly.

8. When selling your home, your REALTOR KISSIMMEE can give you up-to-date information on what is happening in the marketplace and the price, financing, terms and condition of competing properties. These are key factors in getting your property sold at the best price, quickly and with minimum hassle.

9. Your REALTOR KISSIMMEE markets your property to other real estate agents and the public. Often, your REALTOR KISSIMMEE can recommend repairs or cosmetic work that will significantly enhance the salability of your property. Your REALTOR® markets your property to other real estate agents and the public. In many markets across the country, over 50% of real estate sales are cooperative sales; that is, a real estate agent other than yours brings in the buyer. Your REALTOR KISSIMMEE acts as the marketing coordinator, disbursing information about your property to other real estate agents through a Multiple Listing Service or other cooperative marketing networks, open houses for agents, etc. The REALTOR® Code of Ethics requires REALTORS® to utilize these cooperative relationships when they benefit their clients.

10. Your REALTOR KISSIMMEE will know when, where and how to advertise your property. There is a misconception that advertising sells real estate. The NATIONAL ASSOCIATION OF REALTORS® studies show that 82% of real estate sales are the result of agent contacts through previous clients, referrals, friends, family and personal contacts. When a property is marketed with the help of your REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.

11. Your REALTOR KISSIMMEE can help you objectively evaluate every buyer's proposal without compromising your marketing position. This initial agreement is only the beginning of a process of appraisals, inspections and financing -- a lot of possible pitfalls. Your REALTOR® can help you write a legally binding, win-win agreement that will be more likely to make it through the process.

12. Your REALTOR KISSIMMEE can help close the sale of your home. Between the initial sales agreement and closing (or settlement), questions may arise. For example, unexpected repairs are required to obtain financing or a cloud in the title is discovered. The required paperwork alone is overwhelming for most sellers. Your REALTOR KISSIMMEE is the best person to objectively help you resolve these issues and move the transaction to closing (or settlement).

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Realtor in Kissimmee

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Realtor Kissimmee

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Thank you for visiting my site, if you are looking to buy , sell or develop any residential , commercial property or business you have found the right path.

I have been in the real estate business for more than 20 years, helping people to buy , sell and develop homes , Town homes , Duplex , Commercial Plazas and businesses.

You have an incredible opportunity to own a piece of real estate in Kissimmee Florida, in fact never has been a better time to buy. Prices of real estate have dropped significantly since 2005 and currently are on the lowest time ever.


 As a Lic. Agent and Construction Project Manager on the Residential and Commercial Real Estate for many years in Kissimmee Florida, all I can tell you is that you have an incredible opportunity to Invest and own a piece of real estate or business in Kissimmee Florida, in fact never has been a better time to buy. Prices of real estate have dropped significantly since 2005 and currently are on the lowest time ever. I will guide you to invest wisely, The Secret" is to buy existing properties or businesses at a good market price discount or to build at cost.


Fannie Mae changes mortgage loan restrictions
WASHINGTON – Oct. 17, 2013 – Government-backed mortgages with Fannie Mae will soon undergo new changes through Desktop Underwriter (DU), an automatic program that follows strict guidelines without input from lenders. The new changes will increase flexibility for certain borrowers, but they’ll make it harder for others to qualify due to loan limits, restrictions and more costs.

Higher costs
The current downpayment for Fannie Mae conforming loans is 3 percent, but it will increase to 5 percent for loans submitted after Nov. 16. Some homeowners may not be able to afford 5 percent on a downpayment, and many have been attracted to Fannie Mae loans because the cost was so low.

The increase could deter some first-time homebuyers from applying for a Fannie Mae loan. However, the loans won’t have upfront mortgage insurance costs, unlike current loans with a 3 percent downpayment and FHA mortgages.

Mortgage terms
In addition to higher downpayments, loan limits have been reduced so that no mortgage can have as term longer than 30 years, as opposed to 40.

 Best Regards , Muchas Gracias , Obrigado

Salomon F Serrano
7345 W Sand Lake Rd
Suite 319
Orlando Fl 32819
Tel: 321-303-4544
Skype: Serrano.Salomon

 5 ways borrowers can land the best mortgage
RIVERDALE, N.J. – Oct. 10, 2013 – After riding a swift updraft earlier this year, mortgage rates have steadied at around 4.5 percent for a 30-year fixed loan.

But there’s a good chance they’ll resume their upward path. That’s one of a number of things borrowers need to know now to get the best loan.

“For planning purposes, if I were thinking of getting into the market next spring, I’d be working with numbers in the 5 percent range,” said Keith Gumbinger, vice president of, a Riverdale, N.J.-based publisher of mortgage information. That would be up from around 3.5 percent earlier this year.

The market got some rate relief recently, when the Federal Reserve decided to continue its policy of buying bonds to keep mortgage rates low, in an effort to stimulate the housing market and the economy.

But the Fed has also made it clear that it will taper off such buying at some point, as the economy improves.

So does that mean buyers should speed up their timetables and jump into the market before rates start to rise again?

Not necessarily. For one thing, analysts aren’t predicting a huge increase.

And the mortgage rate is “only one part of the (home-buying) transaction,” Gumbinger said.

For most people, the decision to buy or sell is less influenced by the financial markets, and much more influenced by what’s happening in their lives: a new job, marriage, divorce, or the birth – or departure – of children, said Greg McBride, an analyst with

And even if rates start to rise, they are likely to remain affordable, by historic standards.

“Mortgage rates are not, and won’t be for some time, an impediment to well-qualified borrowers,” McBride said.

“If the difference between a 4.5 percent and 5 percent rate on your mortgage is the difference between being able to afford a home or not, you’re stretching yourself too far.”

Given the changing mortgage landscape, here are five things borrowers can do to get the best deal:

Do your homework: The first step is to check your credit report with the three credit reporting agencies.

You can do it for free at If there are any errors, correct them. Then do what you can to improve your credit rating by paying down your debt.

Avoid borrowing to buy a car or other big-ticket item in the months before you apply for a mortgage – and, for that matter, up to the date you finally close on your new home.

You can check your credit score at for $19.95. Anyone with scores below 620 will find it very difficult to qualify for a mortgage; borrowers with scores over 740 qualify for the best rates. It’s a good idea to try to improve your score in the months before you apply for a mortgage, because even a 20-point improvement can make a difference in the rate you can get, according to David Stein, chief operating officer of Residential Home Funding in Parsippany, N.J.

Be ready to offer up a lot of paperwork to document your income, debts and assets. Regulators have cracked down since the housing boom free-for-all, when unqualified buyers and borrowers got or refinanced mortgages they couldn’t actually afford.

Now, borrowers need to show one month’s worth of pay stubs, two months of bank statements and two years of tax returns, according to Stein. During the housing boom, Stein said, lenders “weren’t looking at anything – now they’re looking at everything.”

Then shop around among several lenders for the best rate.

Get preapproved: Even before you start looking for a house, you should get preapproved for a mortgage. This will make you a stronger buyer, because sellers will know you have the financing in place to move forward.

In addition, getting preapproved for a mortgage amount “sets boundaries around what you can afford. Those boundaries dictate what your price range is,” said McBride.

Choose between rates: The standard loan offers a fixed interest rate for 30 years. Adjustable-rate mortgages (ARMs) offer a fixed rate for, typically, the first five or seven years; after that, the rates can rise every year. In exchange for accepting the risk that interest rates will rise, borrowers get a lower initial rate on ARMs. According to the Mortgage Bankers Association, ARMs make up about 7 percent of the current market.
But ARMs make sense only for people who know for sure that they’re going to be in the house for a limited time.

“Forget about adjustable rates altogether unless you have sufficient financial stability that you could absorb a higher monthly payment if your timetable doesn’t pan out,” McBride said.

Decide length of loan: Fifteen-year loans are more popular with refinancing homeowners than they are with first-time homebuyers because many buyers can’t afford the higher monthly payments. The reward for those higher payments is that over time, you’ll pay much less in interest by shortening the life of the loan. And 15-year mortgages come with lower rates.

Sammy Thomas, a consultant living in Ridgewood, N.J., wasn’t looking for a 15-year mortgage when he decided to refinance as rates dipped last year. But with rates on 15-year mortgages then hovering around 3 percent, he decided that was the best deal. The shorter loan also meant that he and his wife, Demi, a teacher, could live mortgage-free sooner. That was especially appealing as they plan for their retirement, said Thomas, 58. In fact, they hope to put extra money on the loan each month and have it paid off in 11 or 12 years.

Lock in your rate: Once you’ve found a good rate, consider locking it in, which you can usually do for no cost, or for a fee that is refunded at closing. It’s not worth betting that rates will fall before you close on the house.

“I rarely tell folks to try to time the bottom of the market,” Gumbinger said. “Mortgage rates almost always rise much more quickly than they fall.”

“Don’t try to guess the way rates are moving,” McBride agreed. “I’m not a fan of people rolling the dice for something as significant as what their mortgage payment is.”

Realtor in Kissimmee

 IRS delays start of tax-filing season
WASHINGTON – Oct. 25, 2013 – The IRS announced this week that it would delay the start of tax-filing season by up to two weeks because of the government shutdown. However, taxpayers must still turn in their 2013 returns by April 15.

The IRS says it will begin accepting tax returns at some point between Jan. 28 and Feb. 4. It will announce the official start-of-tax-filing season in December.

“Readying our systems to handle the tax season is an intricate, detailed process, and we must take the time to get it right,” says Daniel I. Werfel, the acting IRS commissioner. “The adjustment to the start of the filing season provides us the necessary time to program, test and validate our systems, so that we can provide a smooth filing and refund process for the nation’s taxpayers. We want the public and tax professionals to know about the delay well in advance so they can prepare.”

This will be the second year that the IRS has delayed accepting tax returns due to legislative matters. Just after Jan. 1 this year, Congress approved a fiscal deal that adjusted tax rates and caused the IRS to push the start of tax-filing season from Jan. 22 to Jan. 30. Some taxpayers even had to wait until February or March to file.

Source: “Citing Shutdown, I.R.S. Says Tax Season Will Start Late,” The New York Times (Oct. 22, 2013)
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 National Bus Tour Underscores Importance of Home Ownership Matters

Media Contact: Michelle Wardlaw / 202-383-1042 / Email

Anaheim, November 10, 2011

After travelling through 33 states and visiting more than 50 cities across the country, the National Association of Realtors® Home Ownership Matters Bus arrives in Anaheim, Calif., today for the Realtors® Conference & Expo here this week. The bus will be parked on the floor of the Anaheim Convention Center throughout the conference.

The bus’s final stop in Anaheim wraps up a successful eight-month trek that kicked off in Chicago, Ill., this past March. The multi-city bus tour was launched as part of NAR’s Home Ownership Matters campaign to engage Realtors® and consumers across a number of public policy proposals, government programs and incentives that could dramatically impact homeownership in this country.

“As Realtors® gather this week for NAR’s annual conference, we’re well aware of the need to keep housing first on the nation’s public policy agenda, because housing and home ownership issues affect all Americans,” said NAR President Ron Phipps, broker-president of Phipps Realty in Warwick, R.I. “The Home Ownership Matters Bus Tour has helped us do that this past year, giving Realtors® and consumers the opportunity and resources to make their voices heard.”

Some of the issues that were and continue to be front-and-center during the bus tour included the future of the mortgage interest deduction as an important tax benefit for current and aspiring homeowners; the availability and accessibility of mortgage financing – whether the issue is how much buyers can borrow through conforming loan limits, if creditworthy borrowers can qualify for a loan, or the amount of downpayment future buyers must make – and the ability of homeowners to obtain affordable flood insurance. Realtors® will be meeting with elected officials, public policymakers and other industry experts throughout this week’s conference to address these and other issues confronting today’s real estate market.

Whether you own a home today or want to own a home someday, it’s important to engage on housing issues now,” said Phipps. “Using the Home Ownership Matters bus as a conversation starter, Realtors® were able to shine a spotlight on what’s at stake for millions of home owners and home buyers, and demonstrate Realtors®’ commitment to ensuring that people in this country will continue to have access to the American dream of homeownership well into the future.”

For more information on the Home Ownership Matters Bus Tour including recaps and pictures of past events, visit

The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.1 million members involved in all aspects of the residential and commercial real estate industries.
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ORLANDO, Fla. – Nov. 6, 2013 – Florida’s housing market continued to improve in third quarter 2013 with more closed sales, higher median prices, more pending sales and a stabilizing supply of homes for sale compared to the same quarter in 2012, according to the latest housing data released by Florida Realtors®.

“Data from the third quarter of 2013 shows that Florida’s housing market continues to grow and gain strength,” said 2013 Florida Realtors President Dean Asher, broker-owner with Don Asher & Associates Inc. in Orlando. “The housing sector is vital to the state’s economy, and Realtors across the state are reporting increased activity in their markets. 
Realtor in Kissimmee , contact me 
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 Foreclosure auctions jump in South Florida

MIAMI – Nov. 15, 2013 – The number of foreclosed homes scheduled for the auction block in October skyrocketed by 76 percent in Palm Beach County compared with a year ago, according to figures released by RealtyTrac on Wednesday.

Lenders are aggressively finalizing foreclosures now that prices have rebounded enough to make the transactions worthwhile. The county’s auction listings grew to 1,055 homes compared with 610 in October 2012.

Realtor in Kissimmee

Banks “are working through the backlog of foreclosures,” said Daren Blomquist, a RealtyTrac vice president. “Now we are seeing property actually going to auction – they are moving the ball forward. It’s a great time to unload inventory.”

Home prices have been rising steadily since the first of year after nose-diving for six years. Many banks have waited for a rebound to unload properties.

“Bankers are like anyone else: They don’t want to sell in a declining market,” said South Florida bank analyst Ken Thomas, who said some foreclosed properties are actually selling for a profit now.

So far, their auctioning off foreclosed properties hasn’t dampened the strong surge in home prices in Broward and Palm Beach counties, Thomas said. He hopes that trend continues, and that the banks don’t flood the market with homes.

“I am hopeful that the banks are sensitive to the potential impact of their actions on neighborhood housing markets, especially in low- and moderate-income communities that have already been hit so hard with aggressive subprime lending and the resultant foreclosures,” Thomas added.

The recent uptick in auctions has contributed to Florida once again leading the nation in foreclosures in October, RealtyTrac’s Blomquist said. The state and South Florida have about three times the foreclosure activity of the national average, according to RealtyTrac.

RealtyTrac’s monthly report tracks the foreclosure stages, including new cases filed, bank repossessions and scheduled auctions. The surge in auctions actually hides the good news: New foreclosures are sharply down in South Florida from a year ago, Blomquist said.

New foreclosure filings on homes by lenders dropped 46 percent in Palm Beach County in October, to 496 from 925 at the same time last year.

The improving economy is making it easier for people to pay their bills, Broward Bank of Commerce president and CEO Keith Costello said. Regulators from the Federal Deposit Insurance Corporation recently met with South Florida community bankers to share with them the region’s improving numbers – from fewer foreclosures to more construction projects to a lower unemployment rate, Costello said.

Realtor in Kissimmee

“The Fort Lauderdale area is especially doing well,” Costello said, better than West Palm Beach and Miami.

Programs such as the National Mortgage Settlement funded by the nation’s five largest mortgage lenders also have helped lower South Florida foreclosure filings by reducing principal and interest rates to struggling homeowners.

More than 9,000 Floridians have had their loan amounts or interest rates reduced, according to a recent release from Bank of America spokeswoman Jumana Bauwens. She didn’t have a breakdown of numbers by county.

“Through Sept. 30, $1.1 billion in reduced principal balances has been provided on qualified Bank of America mortgages for 6,872 Floridians who were underwater and delinquent, representing an average reduction of nearly $159,000 in outstanding principal,” she said.

“Another 2,529 homeowners have realized an average 2 percent drop in interest rates on eligible loans that were underwater but paid current, representing an average decrease of $218 in the monthly mortgage payments.”

Realtor in Kissimmee

Real estate matters

ORLANDO, Fla. – Jan. 14, 2014 – The Bureau of Labor Statistics reported that employment rose by 74,000 jobs in December, well below the consensus expectation of a 200,000 increase last month. For 2013 as a whole, the national economy added approximately 182,000 jobs per month. Although the GDP grew 3.6% in the 3rd Quarter of 2013, preliminary growth estimates for the 4th Quarter were significantly lower than previous quarters. The outlook is not strong for the start of 2014, and we suspect a weakening expansion across the macroeconomy.

Job creation in Florida, however, grew more than the national average in the last quarter, a promising sign for the real estate market moving ahead this year. Over the whole of 2013, Florida ranked third in job increases per month at 183,000, and second in year-over-year percentage increase for nonfarm payroll employment at 2.5%. The unemployment rate was also consistently lower than the national average and we closed the year with an unemployment rate of 6.4%, compared to the national average of 7.0%.

What does this mean for your market?

You may see a shift upwards in professionals relocating their families for high-skilled jobs, and a slight downturn in out-of-state families purchasing second homes in Florida. Naturally, this is all dependent on other individual states’ job growth and economic performance compared to the national average. 
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